From Newark and Jersey City to Trenton and the shore towns, New Jersey has detailed rules for passing on a card fee and a firm rule about tips. We show you exactly what you pay and set up a program that meets them. No contracts, no cancellation fees.
Since August 18, 2023, a New Jersey business may add a credit card surcharge only up to its actual cost of processing that payment, and it must disclose the amount before the customer is charged (N.J.S.A. 56:8-156.1 and 156.2). The rule covers credit cards.
The surcharge amount, and a percentage is fine, has to be posted at the entrance and at the point of sale. Restaurants must also show it on their menus, including online and QR code menus. Online sales must show it on the checkout page, and phone sales must say it out loud. The Division of Consumer Affairs says a sign stating only that the fee does not exceed your costs is not enough.
New Jersey wage rules (N.J.A.C. 12:56-3.5(g)), in force since August 3, 2020, bar an employer from using any portion of an employee's tips, however small, to cover card processing fees. A bill to ban surcharges on debit and gift cards passed the state Senate in June 2026 but is not law yet.
Dual Pricing shows both prices everywhere New Jersey requires a disclosure, on signs, menus and checkout pages. If you prefer a surcharge, we keep it at or under your real processing cost and set up the postings. Either way, tips reach your staff in full.
Check any state in our surcharge checker. Rules change, so we confirm the current position before configuring anything. This is general information, not legal advice.
Send one recent statement for a free statement review. We find your true effective rate, name every fee, and show where it can come down. Savings are estimates based on your own statement.
Menus and tips are where New Jersey's rules bite.
Free, no obligation. Serving businesses across New Jersey and the US.